Terms and Conditions

1. Acceptance of Terms

By accessing or using the Housmata platform ("the Platform"), you agree to be bound by these Terms and Conditions. If you do not agree, do not use the Platform.

2. Eligibility

The Platform is open to individuals aged 18 and older who reside in Nigeria. By creating an account, you confirm that you meet these requirements and that the information you provide is accurate.

3. Account Registration

You must provide a valid email address to register. You are responsible for maintaining the confidentiality of your account. One account per person. Multiple accounts from the same individual will be flagged and may result in suspension.

4. Surveys and Rewards

The Platform pays respondents for completing surveys. Reward amounts are set by administrators and may change. Payments are made to the wallet on your account. You may withdraw funds once you reach the minimum withdrawal threshold.

5. Referral Programme & Bonus Qualification

You may invite others to join the Platform using your unique referral code. To ensure system integrity, a referral bonus is only credited to your wallet balance when the referred user meets ALL of the following mandatory conditions:

• Profile Completion: The referred user must fully complete both their Personal Details (full name and phone number) and Neighbourhood Details (street reporting from, landmark, city, and state) on their profile page.
• Survey Completion: The referred user must complete at least 1 genuine survey response.
• Anti-Fraud Verification: The referral must pass our automated fraud detection system.

Referrals are subject to anti-fraud evaluation, including IP address verification, device fingerprinting, disposable email detection, and neighbourhood/personal details cross-matching. Referrals that fail these checks will be marked as FLAGGED or REJECTED, and the referral bonus will be withheld. If a referred user completes their survey prior to completing their profile, the referral status will remain PENDING until their profile details are fully submitted. Flagged referrals will display the specific reason in your account dashboard, and users may submit an appeal via the dashboard if they believe a decision was made in error.

6. Fraud and Abuse

The following are prohibited and may result in account suspension or permanent ban:

• Creating multiple accounts
• Using someone else's personal information
• Submitting false or misleading survey responses
• Exploiting the referral system through coordinated sign-ups
• Using automated tools or scripts on the Platform

7. Withdrawals

Withdrawal requests are processed to the bank account or phone number you provide. Housmata is not responsible for delays caused by incorrect details. Minimum withdrawal limits apply as set by the Platform.

8. Intellectual Property

All content on the Platform, including logos, text, and software, is the property of Housmata. You may not copy, modify, or distribute any part of the Platform without written permission.

9. Limitation of Liability

Housmata provides the Platform on an "as is" basis. We do not guarantee uninterrupted access. We are not liable for any loss of earnings, data, or damages arising from your use of the Platform.

10. Changes to These Terms

We may update these Terms at any time. Continued use of the Platform after changes are posted constitutes your acceptance of the revised Terms.

11. Contact

Questions about these Terms can be sent to hello@housmata.com.